Vacation & Secondary Home Insurance
Protection for Your Home Away from Home
Why Insure Your Vacation or Second Home?
Owning a vacation or secondary home is a significant investment that brings joy and relaxation. However, these properties often face unique risks due to their occasional occupancy. Whether it’s a beach house, mountain cabin, or city condo, ensuring your property is adequately protected is crucial.
Coverage Highlights
Dwelling Coverage
Purpose: Protects the physical structure of your vacation home against covered perils like fire, windstorm, and vandalism. Note: Essential for safeguarding your property's structural integrity.
Personal Property Coverage
Purpose: Covers personal belongings within your second home, such as furniture, electronics, and appliances. Tip: Consider additional coverage for high-value items.
Liability Insurance
Purpose: Provides coverage if someone is injured on your property or if you’re held responsible for property damage. Example: A guest slips on your icy driveway; liability coverage can help with legal fees and medical expenses.
Loss of Use / Additional Living Expenses (ALE)
Purpose: Covers temporary living expenses if your vacation home becomes uninhabitable due to a covered loss.
Other Structures Coverage
Purpose: Protects detached structures on your property, such as garages, sheds, or fences.
Enhanced Protection Options
Named Perils vs. All-Risk Policies
- Named Perils: Covers only the risks specifically listed in the policy.
- All-Risk: Offers broader protection, covering all perils except those explicitly excluded.
Vacant or Unoccupied Home Coverage
- Purpose: Provides protection for homes that are unoccupied for extended periods, addressing risks like undetected leaks or break-ins.
Rental Property Coverage
- Purpose: If you rent out your vacation home, specialized coverage can protect against risks associated with tenants and potential income loss.
Factors Influencing Premiums
- Location: Proximity to coastlines or remote areas can affect risk levels.
- Occupancy: Homes left unoccupied for long periods may face higher premiums.
- Security Measures: Installing alarms or surveillance systems can lead to discounts.
- Bundling Policies: Combining multiple insurance policies can offer savings.
Why United Coverage?
- Customized Solutions: Tailored policies to fit your unique property and usage.
- Expert Guidance: Experienced agents to navigate the complexities of secondary home insurance.
- Trusted Partners: Collaborations with top-rated insurers to provide comprehensive coverage options.
Secure Your Investment Today
Protect your vacation or secondary home with a policy designed to meet its specific needs. Contact United Coverage for a personalized insurance quote.
Let’s Talk Coverage That Works
